You are right to be a skeptic of cryptocurrencies. All of them are garbage. Focus just on bitcoin, because it aims to solve the exact problem you have identifie

You are right to be a skeptic of cryptocurrencies. All of them are garbage. Focus just on bitcoin, because it aims to solve the exact problem you have identified in the most secure, decentralized way possible. Any cryptocurrency that tries to bolt more onto its base layer will always sacrifice some level of decentralization which is where a lot of problems get introduced. cryptocurrency and bitcoin are not categorically the same.